Wood Burning stove insert for around $1k

We live in Indiana so winters are not super harsh. Our home is 2 bed, 1250 sqf (with 1250 sqf unfinished basement) and was built in 1952. The previous owners put a fair amount into updating insulation, so the house does pretty well. The current fireplace and chimeny are brick with (I believe) clay lining, so installing a metal flue should be easy. It is fairly large at 36 ½ in wide, 24 in tall and 21 ½ in at its deepest. Also the fireplace sits level with the floor. I want to heat the house through the winter. We are on a fairly tight budget and would like to get a wood burning stove insert with installation for around $1k. I have looked at a couple through Lowes and Ace (I am military so I get an additional 10% off at Lowes).
http://www.lowes.com/pd_365186-66915-DB03120_4294765285__?productId=3623484&Ns=p_product_qty_sales_dollar|1&pl=1&currentURL=?Ns=p_product_qty_sales_dollar|1&facetInfo=
http://www.lowes.com/pd_97363-850-2200I_4294765285__?productId=3457288&Ns=p_product_qty_sales_dollar|1&pl=1&currentURL=?Ns=p_product_qty_sales_dollar|1&facetInfo=
http://www.lowes.com/pd_239295-7684...uctId=3027302&Ns=p_product_qty_sales_dollar|1
http://www.acehardware.com/product/index.jsp?productId=3706810
I know these are not one of the big name brands like Napoleon, but do you think they will do the trick? Seems like some of the issues with cheaper inserts is their fans, but are they on par in terms of efficiency and burn? Are they less durable, which is a worry since it will see heavy use. I have wanted to start burning for a while, but don’t have the $1600+ for some of the bigger name stoves. Just wanted to hear some views on these less known brands, and welcome options people may have for doing it cheaper. Also let me know if there are some good deals out there

Here is the fireplace before we finished the living room. The carpet is still there.



Much Thanks

From the edge of the opening of the fire box to the edge of the mantle is 10" on top and 6" on the sides. I will have to look up the manual for clearances, but it seems like it would be ok. It would suck to have to rip out the mantel, re-paint wall, get new mantel, etc. I think I am leaning toward the century because of cost. For around $850 for the stove, I should be able to get the steel chimney liner installed and set for $1k. Am I underestimating the cost of those materials and possible install? Also since I have an existing brick fireplace, single wall piping should be good right? That would be a good way to cut on expense

King, US Army for the past 8 years.

Another thought is a stove. Can I get one in a low clearance of 24"? Stoves are usually cheaper than inserts